Total Capital Ratio Over Time
Total Capital Ratio United Heritage Bank All Insured Commercial Banks in New Jersey
12-31-2006 13.02 15.86
09-30-2006 12.82 17.328
06-30-2006 13.37 18.878
03-31-2006 14.31 20.698
12-31-2005 15.44 17.074
09-30-2005 16.4 15.416
06-30-2005 12.18 14.841
03-31-2005 12.98 15.629
12-31-2004 13.03 15.016
09-30-2004 14.24 14.929
06-30-2004 15.69 14.931
03-31-2004 18.12 15.048
12-31-2003 21.12 15.142
09-30-2003 22.34 15.407
06-30-2003 26.35 14.832
03-31-2003 27.79 15.421
12-31-2002 26.25 15.26